Financing Built for Real Estate Investors

Fast, flexible capital for investors who need to move quickly and maximize leverage.

Fix & Flip Loans

  • Up to 100% financing for purchase and renovation
  • Up to 75% ARV
  • Rates starting at 8.5%
  • No tax returns required
  • No minimum FICO requirement
  • Closings in as little as 48 hours

DSCR Loans

  • Up to 80% LTV (Including Cash Outs)
  • Up to 80% LTV on qualifying cash-out refinances
  • Rates starting at 5.875%
  • Minimum 660 FICO
  • No traditional income documentation required

Ground-Up Construction Loans

  • Up to 85% LTC
  • Financing for land and construction costs
  • Rates starting at 8.5%
  • No prior ground-up construction experience required

Veteran-owned private lender offering up to 100% financing with fast closings to help investors seize every opportunity.

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Why Choose Romero Capital?

Romero Capital is built for real estate investors who need speed, flexibility, and leverage. We offer financing solutions for fix and flip projects, rental properties, cash-out refinances, and ground-up construction — all under one roof.

With fix and flip financing up to 100% of purchase and renovation costs, DSCR loans up to 80% LTV including qualifying cash-outs, and ground-up construction financing up to 85% LTC, we give investors access to the capital they need to move quickly.

Our process is designed to be simple and efficient, with flexible underwriting, competitive rates, and closings in as little as 48 hours on qualifying transactions. Whether you're acquiring your next flip, pulling equity from a rental, or building from the ground up, Romero Capital is here to help you get the deal funded.

Frequently Asked Questions

What loan programs does Romero Capital offer?

Romero Capital offers three core loan programs for real estate investors: Fix & Flip Loans for short-term acquisition and renovation projects, DSCR Rental Loans for long-term buy-and-hold or cash-out strategies, and Ground-Up Construction Loans for land acquisition and new development. All programs are structured around asset value and investor performance.

How fast can I close on a loan with Romero Capital?

We move fast — closings can happen in as little as 48 hours for qualified deals. Our streamlined underwriting process is built around the asset, not bureaucratic timelines, so when your deal needs to close quickly, we're ready to execute.

What documentation is required to apply for a loan?

Documentation requirements vary by loan type. Fix & Flip and Construction loans are primarily asset-based, requiring property details, purchase contract, and scope of work. DSCR Rental Loans do not require traditional income documentation for qualifying programs — qualification is based on the property's rental income and debt service coverage ratio.

Is Romero Capital veteran-owned and operated?

Yes. Romero Capital Corp is proudly veteran-owned and operated. Our team brings the same discipline, integrity, and commitment to execution that defines military service — applied directly to private real estate lending and investor relationships.

How do I get loan terms for my specific deal?

All advertised rates and leverage are presented as starting points — final terms are subject to underwriting and property qualification. To get terms specific to your deal, submit your project details and a loan officer will respond with a customized term sheet promptly.